CN109583864A - Excess reserve recharge method, device, equipment and computer readable storage medium - Google Patents
Excess reserve recharge method, device, equipment and computer readable storage medium Download PDFInfo
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
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- G06Q20/00—Payment architectures, schemes or protocols
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- G06Q20/108—Remote banking, e.g. home banking
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- G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
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Abstract
The invention discloses a kind of excess reserve recharge method, device, equipment and computer readable storage medium, the excess reserve recharge method includes: business record to be transacted in parsing preset time period, to obtain flow value to be made loans；It is described when flow value of making loans is lower than the current preset upper limit amount of money for corresponding to excess reserve when detecting, the pre-determined lower limit amount of money of the flow value to be made loans and current corresponding excess reserve is compared, to obtain comparison result；Based on the comparison result, the pre-determined lower limit amount of money of the excess reserve is adjusted, is supplemented with money with carrying out excess reserve based on the pre-determined lower limit amount of money triggering adjusted.The excess reserve process of supplementing with money supplements low efficiency with money to sheet of the present invention in the prior art, fund utilizes unreasonable technical problem.
Description
Technical field
The present invention relates to excess reserve field more particularly to a kind of excess reserve recharge method, device, equipment and computer-readable
Storage medium.
Background technique
Currently, lending company can provide the common business such as make loans, settle a claim to client, in business procedure is provided, make loans public
Department need to transfer the excess reserve in Third-party payment in the corresponding account of loan customer, wherein the excess reserve in Third-party payment
It need to be just able to satisfy the demand for loan for the user that needs are provided a loan in certain amount range, and not will cause the waste of excess reserve, so
In the prior art, it needs human intervention lending company to supplement the excess reserve of Third-party payment with money, is to be borrowed according to client if you need to very important person
Money transaction record adjusts the amount range etc. of Third-party payment excess reserve, can realize the reasonable utilization of excess reserve, this mode
Lead to supplement with money low efficiency and there are risk, user experiences poor technical problem using excess reserve charging system.
Summary of the invention
The main purpose of the present invention is to provide a kind of excess reserve recharge method, device, equipment and computer-readable deposit
Storage media, it is intended to which the excess reserve process of supplementing with money in the prior art that solves supplements low efficiency with money, fund utilizes unreasonable technical problem.
To achieve the above object, the present invention provides a kind of excess reserve recharge method, and the excess reserve recharge method includes:
Business record to be transacted in preset time period is parsed, to obtain flow value to be made loans；
When detect it is described wait make loans flow value lower than current corresponding excess reserve the preset upper limit amount of money when, compare it is described to
It makes loans the pre-determined lower limit amount of money of flow value and current corresponding excess reserve, to obtain comparison result；
Based on the comparison result, the pre-determined lower limit amount of money of the excess reserve is adjusted, based on described adjusted default
The triggering of the lower limit amount of money carries out excess reserve and supplements with money.
Optionally, the pre-determined lower limit amount of money of flow value to be made loans described in the comparison and current corresponding excess reserve, with acquisition
Comparison result step includes:
Obtain the mapping relations of the flow value to be made loans and the pre-determined lower limit amount of money of corresponding excess reserve；
The target pre-determined lower limit amount of money of excess reserve is obtained based on the mapping relations；
The target pre-determined lower limit amount of money and the current preset lower limit amount of money are compared, to obtain comparison result.
Optionally, described to compare the target pre-determined lower limit amount of money and the current preset lower limit amount of money, to obtain comparison result
Include: after step
If the current preset lower limit amount of money is lower than the target pre-determined lower limit amount of money, early warning is generated.
Optionally, business record to be transacted in the parsing preset time period, after obtaining flow value step to be made loans
Include:
When described when flow value of making loans is greater than the current preset upper limit amount of money, point for supplementing excess reserve with money in batches is generated
Instruction is criticized, supplements excess reserve with money in batches to realize.
Optionally, it is described when described when flow value of making loans is greater than the current preset upper limit amount of money, generation is filled in batches
It is worth the instruction in batches of excess reserve, to realize that supplementing excess reserve step with money in batches includes:
When described when flow value of making loans is greater than the current preset upper limit amount of money, flow value to be made loans and current pre- is obtained
If the difference amount of money of the upper limit amount of money；
The instruction in batches for supplementing excess reserve with money in batches is generated, based on the difference amount of money and the current preset upper limit amount of money with reality
Now supplement excess reserve with money in batches.
Optionally, described that point for supplementing excess reserve with money in batches is generated based on the difference amount of money and the current preset upper limit amount of money
Criticize instruction includes: later
The rate of making loans for obtaining the flow value to be made loans prestored obtains different batches provision based on the rate of making loans
Gold supplements the time with money；
It supplements the time with money based on described and supplements excess reserve with money in batches.
Optionally, described to be based on the comparison result, the pre-determined lower limit amount of money of excess reserve is adjusted, based on after the adjustment
The triggering of the pre-determined lower limit amount of money carry out excess reserve and supplement with money after step include:
When detecting excess reserve successful recharging, the accreditation processing of electronic certificate is carried out.
In addition, to achieve the above object, the present invention also provides a kind of excess reserve recharging device, the excess reserve recharging device
Include:
Parsing module, for parsing business record to be transacted in preset time period, to obtain flow value to be made loans；
Comparison module detects the preset upper limit amount of money of the flow value to be made loans lower than current corresponding excess reserve for working as
When, the pre-determined lower limit amount of money of the flow value to be made loans with current corresponding excess reserve is compared, to obtain comparison result；
Module is adjusted, for being based on the comparison result, the pre-determined lower limit amount of money of the excess reserve is adjusted, based on described
Pre-determined lower limit amount of money triggering adjusted carries out excess reserve and supplements with money.
In addition, to achieve the above object, the present invention also provides a kind of excess reserves to supplement equipment with money, the excess reserve supplements equipment with money
It include: memory, processor, communication bus and the excess reserve being stored on the memory supplement program with money,
The communication bus is for realizing the communication connection between processor and memory；
The processor supplements program with money for executing the excess reserve, to perform the steps of
Business record to be transacted in preset time period is parsed, to obtain flow value to be made loans；
When detect it is described wait make loans flow value lower than current corresponding excess reserve the preset upper limit amount of money when, compare it is described to
It makes loans the pre-determined lower limit amount of money of flow value and current corresponding excess reserve, to obtain comparison result；
Based on the comparison result, the pre-determined lower limit amount of money of the excess reserve is adjusted, based on described adjusted default
The triggering of the lower limit amount of money carries out excess reserve and supplements with money.
Optionally, the pre-determined lower limit amount of money of flow value to be made loans described in the comparison and current corresponding excess reserve, with acquisition
Comparison result step includes:
Obtain the mapping relations of the flow value to be made loans and the pre-determined lower limit amount of money of corresponding excess reserve；
The target pre-determined lower limit amount of money of excess reserve is obtained based on the mapping relations；
The target pre-determined lower limit amount of money and the current preset lower limit amount of money are compared, to obtain comparison result.
Optionally, described to compare the target pre-determined lower limit amount of money and the current preset lower limit amount of money, to obtain comparison result
Include: after step
If the current preset lower limit amount of money is lower than the target pre-determined lower limit amount of money, early warning is generated.
Optionally, business record to be transacted in the parsing preset time period, after obtaining flow value step to be made loans
Include:
When described when flow value of making loans is greater than the current preset upper limit amount of money, point for supplementing excess reserve with money in batches is generated
Instruction is criticized, supplements excess reserve with money in batches to realize.
Optionally, it is described when described when flow value of making loans is greater than the current preset upper limit amount of money, generation is filled in batches
It is worth the instruction in batches of excess reserve, to realize that supplementing excess reserve step with money in batches includes:
When described when flow value of making loans is greater than the current preset upper limit amount of money, flow value to be made loans and current pre- is obtained
If the difference amount of money of the upper limit amount of money；
The instruction in batches for supplementing excess reserve with money in batches is generated, based on the difference amount of money and the current preset upper limit amount of money with reality
Now supplement excess reserve with money in batches.
Optionally, described that point for supplementing excess reserve with money in batches is generated based on the difference amount of money and the current preset upper limit amount of money
Criticize instruction includes: later
The rate of making loans for obtaining the flow value to be made loans prestored obtains different batches provision based on the rate of making loans
Gold supplements the time with money；
It supplements the time with money based on described and supplements excess reserve with money in batches.
Optionally, described to be based on the comparison result, the pre-determined lower limit amount of money of excess reserve is adjusted, based on after the adjustment
The triggering of the pre-determined lower limit amount of money carry out excess reserve and supplement with money after step include:
When detecting excess reserve successful recharging, the accreditation processing of electronic certificate is carried out.
Optionally, to achieve the above object, the present invention also provides a kind of computer readable storage mediums, and the computer can
Reading storage medium is stored with one, and perhaps more than one program the one or more programs can be by one or one
Above processor is executed to be used for:
Business record to be transacted in preset time period is parsed, to obtain flow value to be made loans；
When detect it is described wait make loans flow value lower than current corresponding excess reserve the preset upper limit amount of money when, compare it is described to
It makes loans the pre-determined lower limit amount of money of flow value and current corresponding excess reserve, to obtain comparison result；
Based on the comparison result, the pre-determined lower limit amount of money of the excess reserve is adjusted, based on described adjusted default
The triggering of the lower limit amount of money carries out excess reserve and supplements with money.
The present invention is by business record to be transacted in parsing preset time period, to obtain flow value to be made loans；When detecting
It is described wait make loans flow value lower than current corresponding excess reserve the preset upper limit amount of money when, compare the flow value to be made loans and current
The pre-determined lower limit amount of money of corresponding excess reserve, to obtain comparison result；Based on the comparison result, the default of the excess reserve is adjusted
The lower limit amount of money is supplemented with money with carrying out excess reserve based on the pre-determined lower limit amount of money triggering adjusted.Due in this application, obtaining
Business record to be transacted is i.e. to loan service in preset time period, based on the flow value and pre-determined lower limit to be made loans to loan service
The amount of money is compared, so based on comparison result carry out the pre-determined lower limit amount of money adjustment, based on adjustment after the pre-determined lower limit amount of money into
Row excess reserve is supplemented with money, thus this supplements excess reserve with money can ensure demand of supplementing with money to loan service, and due to pre-determined lower limit gold
Volume is corresponding adjustment with the flow value to be made loans to loan service, rather than the excess reserve carried out at random is supplemented with money, it is thus possible to
Avoid the excess reserve amount of money using unreasonable phenomenon, in addition, due to carrying out excess reserve automatically based on the pre-determined lower limit amount of money after adjustment
Supplement with money, in this process, do not need to think to intervene, thus present application addresses the excess reserve processes of supplementing with money in the prior art to fill
It is worth low efficiency, fund utilizes unreasonable technical problem.
Detailed description of the invention
Fig. 1 is the flow diagram of excess reserve recharge method first embodiment of the present invention；
Fig. 2 is the flow diagram of excess reserve recharge method second embodiment of the present invention；
Fig. 3 is the device structure schematic diagram for the hardware running environment that present invention method is related to；
Fig. 4 is the schematic diagram of a scenario of the embodiment of the present invention.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Specific embodiment
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
The present invention provides a kind of excess reserve recharge method, in the first embodiment of excess reserve recharge method of the present invention, ginseng
According to Fig. 1, the excess reserve recharge method includes:
Step S10 parses business record to be transacted in preset time period, to obtain flow value to be made loans；
In this application, lending company or little Dai company open up virtual account such as quotient in Third-party payment such as safety are paid
Family account etc. meets the business demands such as loan or the Claims Resolution of client by the virtual account such as trade company's account, in this process,
Perhaps little Dai company supplements excess reserve i.e. lending company with money by supplementing account with money into trade company's account or small loan is public for lending company
Department transfers excess reserve into corresponding trade company's account, the case where business such as customer lending can not carry out is avoided, in excess reserve
During supplementing with money, the settable pre-determined lower limit amount of money, when excess reserve is less than the pre-determined lower limit amount of money, account automatic value-charging is supplemented in triggering with money
The amount of money is to trade company's account.
It should be noted that in this application, lending company etc. can open under Third-party payment according to type of service difference
If different trade company's accounts, i.e., different trade company's accounts can respectively correspond different types of business, for example, first trade company's account is corresponding
Loan service, second trade company's account correspond to Claims Resolution business etc., carry out excess reserve supplement with money during, obtain preset time period in
Transaction business type parses the type business record to be transacted in preset time period, to obtain the type business note to be transacted
The flow value to be made loans of record, to realize that lending company or little Dai company transfer excess reserve into corresponding trade company's account.
In this application, before carrying out excess reserve and supplementing with money, call the business interface of client's preset kind business to obtain
Business record to be transacted is corresponded in preset time period, as shown in figure 4, carrying out so that preset kind business is loan transaction as an example below
Illustrate, carrying out before excess reserve supplements with money, obtain the transaction record of loan transaction in preset time period, the transaction record can be with
Preset format file is stored, and is parsed to the transaction record of loan transaction in preset time period, which is
The format convention of transaction record is cracked, which can be to correspond in transaction record records corresponding friendship respectively in different subregions
Easy title, the amount of money, time etc., after cracking the format convention of transaction record, lookup obtains transaction amount, is based on preset time period
The transaction amount of interior difference transaction record, that is, can extract the flow value to be made loans of loan transaction or lending pending in preset time
The money amount of money, that is, should flow value the be made loans as amount of money to be provided.
It is illustrated to specific embodiment, if business record to be transacted is loan transaction in 1 hour in preset time period
Transaction record, then the transaction record of loan transaction in this 1 hour is parsed, as loan transaction can have 3, every in this 1 hour
The amount of money be respectively 1,000,000,10,000,000,2,000,000, then the application excess reserve charging system obtain 1 hour in loan transaction to
It offers loans the amount of money or flow value to be made loans 13,000,000.
Step S20, it is described when flow value of making loans is lower than the current preset upper limit amount of money for corresponding to excess reserve when detecting, than
To the pre-determined lower limit amount of money of the flow value to be made loans and current corresponding excess reserve, to obtain comparison result；
In this application, the big of flow value to be made loans and the amount of money of the preset upper limit amount of money of preceding corresponding excess reserve is first detected
It is small, it is described when flow value of making loans is lower than the current preset upper limit amount of money for corresponding to excess reserve when detecting, it compares described wait make loans
The pre-determined lower limit amount of money of flow value and current corresponding excess reserve, wherein referring to Fig. 2, flow value to be made loans described in the comparison and
The pre-determined lower limit amount of money of current corresponding excess reserve includes: to obtain comparison result step
Step S21 obtains the mapping relations of the flow value to be made loans and the pre-determined lower limit amount of money of corresponding excess reserve；
Step S22 obtains the target pre-determined lower limit amount of money of excess reserve based on the mapping relations；
Step S23 compares the target pre-determined lower limit amount of money and the current preset lower limit amount of money, to obtain comparison result.
The pre-determined lower limit amount of money be lower than or be less than the current preset upper limit amount of money, wherein the target pre-determined lower limit amount of money can with to
Flow value of making loans is equal, when the target pre-determined lower limit amount of money with when flow value of making loans is equal, if the current preset lower limit amount of money is less than
Flow value to be made loans, then excess reserve is not able to satisfy the demand of making loans in preset time period, thus improves the current preset lower limit amount of money,
Trigger excess reserve automatic value-charging, with meet currently relax demand, when the current preset lower limit amount of money greater than wait make loans flow value when,
Excess reserve is superfluous, causes the irrational utilization of resource, thus reduces the current preset lower limit amount of money, does not need filling for triggering excess reserve
Value.
It should be noted that the flow value to be made loans and the target pre-determined lower limit amount of money can unequal but mapping relations,
The mapping relations can be inquired by the mapping relations table being pre-stored in excess reserve charging system, be said to specific embodiment
Bright, when flow value of making loans is A, the pre-determined lower limit amount of money is a in mapping relations table, when flow value of making loans is C, mapping
The pre-determined lower limit amount of money is c in related table, and A can be unequal with a, C and c, in addition, in this application, the mapping relations can be than
Example relationship especially linear ratio relation can correspond to the current flux lower limit value of making loans of adjustment based on proportionate relationship.The ratio is specific
It is adjusted according to the lending amount of money of lending company.
Make loans after flux lower limit value obtaining target, by target make loans flux lower limit value and the current pre-determined lower limit amount of money into
Row compare, obtain comparison result, the comparison result include target make loans flux lower limit value and the current pre-determined lower limit amount of money it is specific
Difference relationship.
It is illustrated to specific embodiment, during paying excess reserve automatic value-charging to safety, when detecting wait put
When the money amount of money is 13,000,000, and it is 5,000,000 that safety, which pays middle provision free gold excess reserve lower limit, to ensure in time to arrive loan origination
In customer accounting code, excess reserve lower limit can be automatically adjusted to 13,000,000, so that subsequent triggers supplement process with money.
Step S30 is based on the comparison result, adjusts the pre-determined lower limit amount of money of excess reserve, based on described adjusted
The triggering of the pre-determined lower limit amount of money carries out excess reserve and supplements with money.
Based on the comparison result, the pre-determined lower limit amount of money of excess reserve is adjusted, which includes that behaviour is either lowered in up-regulation
Make, when the current preset lower limit amount of money is less than the target pre-determined lower limit amount of money, thus improves the current preset lower limit amount of money, set when in advance
When limiting the amount of money greater than the target pre-determined lower limit amount of money, thus the current preset lower limit amount of money is reduced, in the pre-determined lower limit gold of trade company's account
After volume is adjusted, if the excess reserve amount of money in trade company's account and set the pre-determined lower limit amount of money it is unequal when, it is automatic to generate excess reserve
Recharge instruction is instructed based on the automatic value-charging, triggers the automatic value-charging of excess reserve, the automatic value-charging process of excess reserve can be: obtain
It takes to recharge amount, this is transferred from the storage account of lending company to recharge amount to excess reserve automated refill system.
It should be noted that in transfer process, can automatic remit money, in addition, life can be started before remit money
At choice box, which can be column setting display to recharge amount, and lower column setting user " agreement " or " disagreeing " is certainly
The dynamic option supplemented with money, when detecting that " agreements " instructs in predeterminable area, Fang Zidong from supplement with money trade company's account by it is corresponding to
Recharge amount is transferred.
The present invention is by business record to be transacted in parsing preset time period, to obtain flow value to be made loans；When detecting
It is described wait make loans flow value lower than current corresponding excess reserve the preset upper limit amount of money when, compare the flow value to be made loans and current
The pre-determined lower limit amount of money of corresponding excess reserve, to obtain comparison result；Based on the comparison result, the default of the excess reserve is adjusted
The lower limit amount of money is supplemented with money with carrying out excess reserve based on the pre-determined lower limit amount of money triggering adjusted.Due in this application, obtaining
Business record to be transacted is i.e. to loan service in preset time period, based on the flow value and pre-determined lower limit to be made loans to loan service
The amount of money is compared, so based on comparison result carry out the pre-determined lower limit amount of money adjustment, based on adjustment after the pre-determined lower limit amount of money into
Row excess reserve is supplemented with money, thus this supplements excess reserve with money can ensure demand of supplementing with money to loan service, and due to pre-determined lower limit gold
Volume is corresponding adjustment with the flow value to be made loans to loan service, rather than the excess reserve carried out at random is supplemented with money, it is thus possible to
Avoid the excess reserve amount of money using unreasonable phenomenon, in addition, due to carrying out excess reserve automatically based on the pre-determined lower limit amount of money after adjustment
Supplement with money, in this process, do not need to think to intervene, thus present application addresses the excess reserve processes of supplementing with money in the prior art to fill
It is worth low efficiency, fund utilizes unreasonable technical problem.
Further, the present invention provides the another embodiment of excess reserve recharge method, in this embodiment, described in the comparison
The target pre-determined lower limit amount of money and the current preset lower limit amount of money include: to obtain comparison result step later
If flux lower limit value of currently making loans lower than the target make loans flux lower limit value when, generate early warning.
In the present embodiment, choice box is set in excess reserve system, user " agreement " or " no is set on the choice box
Agree to " option of excess reserve automatic value-charging, that is, need after manually authorizing, excess reserve can automatic value-charging, supplement safety with money to improve
Property, and early warning parameter is set in excess reserve charging system, if flux lower limit value of currently making loans is made loans stream lower than the target
Measure lower limit value when, generate early warning, with remind user touched on choice box click " agreement " excess reserve automatic value-charging or
" disagreeing " excess reserve automatic value-charging, the early warning can be voice prompting mode.
In the present embodiment, if by currently make loans flux lower limit value lower than the target make loans flux lower limit value when, it is raw
At early warning.The present embodiment prompts user to be confirmed whether to need excess reserve in time when excess reserve supplements needs manually authorization with money
Automatic value-charging improves while improving security performance and supplements efficiency with money.
Further, the present invention provides the another embodiment of excess reserve recharge method, and in this embodiment, the parsing is default
Business record to be transacted in period includes: after flow value step to be made loans to obtain
When described when flow value of making loans is greater than the current preset upper limit amount of money, point for supplementing excess reserve with money in batches is generated
Instruction is criticized, supplements excess reserve with money in batches to realize.
In the present embodiment, the current preset upper limit amount of money of corresponding excess reserve is obtained, wherein the current preset upper limit amount of money can
For the maximum excess reserve amount of money of number storable in Third-party payment, after obtaining the current preset upper limit amount of money, need to detect to
Whether flow value of making loans is greater than the current preset upper limit amount of money.It is illustrated to specific embodiment, for the need convenient for supervision
It asks, the current preset upper limit amount of money is 2,000,000, and currently flow value to be made loans can be 20,000,000, be greater than corresponding preset upper limit gold
Volume.
It is described when described when flow value of making loans is greater than the current preset upper limit amount of money, excess reserve is supplemented in generation with money in batches
Instruction in batches, supplement excess reserve step with money in batches to realize and include:
When described when flow value of making loans is greater than the current preset upper limit amount of money, flow value to be made loans and current pre- is obtained
If the difference amount of money of the upper limit amount of money；
The instruction in batches for supplementing excess reserve with money in batches is generated, based on the difference amount of money and the current preset upper limit amount of money with reality
Now supplement excess reserve with money in batches.
When the target pre-determined lower limit amount of money is greater than the current preset upper limit amount of money, the current preset lower limit amount of money is adjusted to and is worked as
The identical numerical value of the preceding preset upper limit amount of money, obtains the difference amount of money of the target pre-determined lower limit amount of money and the current preset upper limit amount of money, base
The instruction in batches for supplementing excess reserve with money in batches is generated in the difference amount of money and the current preset upper limit amount of money, supplements provision with money in batches
Gold, wherein the excess reserve that every batch of is supplemented with money can be the current preset upper limit amount of money, when the difference amount of money is also greater than current preset upper limit gold
When volume, batch processing is carried out according to the current preset upper limit amount of money to the difference amount of money again, is illustrated to specific embodiment, when
The preceding preset upper limit amount of money is 2,000,000, thus, it is 2,000,000 that every batch of, which supplements the upper limit with money, and the target pre-determined lower limit amount of money is 20,000,000,
Thus obtaining the difference amount of money is 18,000,000, is carried out again based on the difference amount of money in batches, and every batch of supplements 2,000,000 with money, until completing provision
Gold is supplemented with money.
In the present embodiment, by when flow value of making loans is greater than the current preset upper limit amount of money, generating and dividing when described
Batch supplements the instruction in batches of excess reserve with money, supplements excess reserve with money in batches to realize.Thus in this application, it is filled in realization excess reserve
During value, supervision demand can satisfy, the user experience is improved.
Further, the present invention provides the another embodiment of excess reserve recharge method of the present invention, in this embodiment, the base
Include: after the difference amount of money generates the instruction in batches for supplementing excess reserve with money in batches with the current preset upper limit amount of money
The rate of making loans for obtaining the flow value to be made loans prestored obtains different batches provision based on the rate of making loans
Gold supplements the time with money；
Excess reserve in batches after, the time of excess reserve automatic value-charging also needs to calculate, with it is maximum using money
The amount of money, in this application, rate of making loans refer to the amount of money for per minute or needing to make loans per hour, it should be noted that by
It is determining in the amount that Third-party payment provides Maximum Amount, and it is determining that Third-party payment, which provides the time of every amount of money,
, thus the amount based on the granting Maximum Amount and the time for providing every amount of money, making loans for flow value to be made loans can be obtained
Rate, wherein the rate of making loans is determining and can be and is pre-stored in excess reserve charging system, and rate obtains different batches based on making loans
Excess reserve supplements the time with money, and rate of making loans is accelerated, and the excess reserve of latter batch supplements time advance with money, and the excess reserve of latter batch exists
Preceding a batch of excess reserve, which is made loans, to be completed to supplement account with money before.
It supplements the time with money based on described and supplements excess reserve with money in batches.
After different batches excess reserve is calculated and supplements the time with money, the time is supplemented with money based on different batches excess reserve and is filled in batches
It is worth corresponding excess reserve.
In the present embodiment, by obtain prestore described in flow value to be made loans rate of making loans, based on the speed of making loans
Rate acquisition different batches excess reserve supplements the time with money；It supplements the time with money based on described and supplements excess reserve with money in batches.Thus in the application
In, it realizes and rationally utilizes fund, improve customer experience.
Further, the present invention provides the another embodiment of excess reserve recharge method of the present invention, in this embodiment, the base
In the comparison result, adjust the pre-determined lower limit amount of money of excess reserve, with based on the pre-determined lower limit amount of money adjusted trigger into
Row excess reserve supplements step with money
When detecting excess reserve successful recharging, the accreditation processing of electronic certificate is carried out.
In this application, when detecting that excess reserve supplements completion with money, carry out the accreditation of autoelectrinic voucher processing, the electronics with
It is supplemented with money the time on card comprising excess reserve, excess reserve recharge amount, excess reserve recharging payment type etc. supplements completion with money in excess reserve
Afterwards, electronic certificate is sent to corresponding client, so that finance carry out confirmation processing.
The present invention provides a kind of excess reserve recharging device, the excess reserve recharging device includes:
Parsing module, for parsing business record to be transacted in preset time period, to obtain flow value to be made loans；
Comparison module detects the preset upper limit amount of money of the flow value to be made loans lower than current corresponding excess reserve for working as
When, the pre-determined lower limit amount of money of the flow value to be made loans with current corresponding excess reserve is compared, to obtain comparison result；
Module is adjusted, for being based on the comparison result, the pre-determined lower limit amount of money of the excess reserve is adjusted, based on described
Pre-determined lower limit amount of money triggering adjusted carries out excess reserve and supplements with money.
Optionally, the comparison module includes:
First acquisition unit, for obtaining the mapping of the flow value to be made loans and the pre-determined lower limit amount of money of corresponding excess reserve
Relationship；
Second acquisition unit, for obtaining the target pre-determined lower limit amount of money of excess reserve based on the mapping relations；
Comparing unit compares knot for comparing the target pre-determined lower limit amount of money and the current preset lower limit amount of money to obtain
Fruit.
Further, the present invention also provides a kind of excess reserve recharging device, the excess reserve recharging device includes:
Cue module, if for currently make loans flux lower limit value lower than the target make loans flux lower limit value when, generate pre-
Alert prompt.
Optionally, the excess reserve recharging device further include:
Generation module, for when flow value of making loans is greater than the current preset upper limit amount of money, being generated in batches when described
It supplements the instruction in batches of excess reserve with money, supplements excess reserve with money in batches to realize.
Optionally, the generation module includes:
Third acquiring unit, for when flow value of making loans is greater than the current preset upper limit amount of money, obtained when described to
It makes loans the difference amount of money of flow value and the current preset upper limit amount of money；
Unit in batches, for supplementing excess reserve with money in batches based on the difference amount of money and the generation of the current preset upper limit amount of money
It instructs in batches, supplements excess reserve with money in batches to realize.
Optionally, the generation module further include:
4th acquiring unit, for obtain prestore described in flow value to be made loans rate of making loans, based on the speed of making loans
Rate acquisition different batches excess reserve supplements the time with money；
It supplements unit with money, supplements excess reserve with money in batches for supplementing the time with money based on described in.
Optionally, the excess reserve recharging device further include:
Accreditation module, the accreditation for when detecting excess reserve successful recharging, carrying out electronic certificate are handled.
Excess reserve recharging device specific embodiment of the present invention and above-mentioned each embodiment of excess reserve recharge method are essentially identical,
Details are not described herein.
Referring to Fig. 3, Fig. 3 is the device structure schematic diagram for the hardware running environment that present invention method is related to.
Excess reserve of the embodiment of the present invention, which supplements equipment with money, can be PC, is also possible to smart phone, tablet computer, e-book and reads
Read device, MP3 (Moving Picture Experts Group Audio Layer III, dynamic image expert's compression standard sound
Frequency level 3) player, MP4 (Moving Picture Experts Group Audio Layer IV, dynamic image expert pressure
Contracting standard audio level 4) terminal devices such as player, portable computer.
As shown in figure 3, it may include: processor 1001, such as CPU, memory 1005, communication that the excess reserve, which supplements equipment with money,
Bus 1002.Wherein, communication bus 1002 is for realizing the connection communication between processor 1001 and memory 1005.Memory
1005 can be high speed RAM memory, be also possible to stable memory (non-volatile memory), such as disk is deposited
Reservoir.Memory 1005 optionally can also be the storage equipment independently of aforementioned processor 1001.
Optionally, it can also include user interface, network interface, camera, RF (Radio which, which supplements equipment with money,
Frequency, radio frequency) circuit, sensor, voicefrequency circuit, WiFi module etc..User interface may include display screen
(Display), input unit such as keyboard (Keyboard), optional user interface can also include wireline interface, the nothing of standard
Line interface.Network interface optionally may include standard wireline interface and wireless interface (such as WI-FI interface).
It does not constitute it will be understood by those skilled in the art that excess reserve shown in Fig. 3 supplements device structure with money to excess reserve
The restriction for supplementing equipment with money may include perhaps combining certain components or different components than illustrating more or fewer components
Arrangement.
As shown in figure 3, as may include that operating system, network are logical in a kind of memory 1005 of computer storage medium
Letter module and excess reserve supplement program with money.Operating system is the journey for managing and controlling excess reserve and supplementing device hardware and software resource with money
Sequence supports excess reserve to supplement the operation of program and other softwares and/or program with money.Network communication module is for realizing memory
Communication between the 1005 each components in inside, and supplement with money in equipment with excess reserve and communicated between other hardware and softwares.
Excess reserve shown in Fig. 3 is supplemented with money in equipment, and processor 1001 is for executing the provision stored in memory 1005
Gold supplements program with money, performs the steps of
Business record to be transacted in preset time period is parsed, to obtain flow value to be made loans；
When detect it is described wait make loans flow value lower than current corresponding excess reserve the preset upper limit amount of money when, compare it is described to
It makes loans the pre-determined lower limit amount of money of flow value and current corresponding excess reserve, to obtain comparison result；
Based on the comparison result, the pre-determined lower limit amount of money of the excess reserve is adjusted, based on described adjusted default
The triggering of the lower limit amount of money carries out excess reserve and supplements with money.
Further, the pre-determined lower limit amount of money of flow value to be made loans described in the comparison and current corresponding excess reserve, to obtain
The comparison result step is taken to include:
Obtain the mapping relations of the flow value to be made loans and the pre-determined lower limit amount of money of corresponding excess reserve；
The target pre-determined lower limit amount of money of excess reserve is obtained based on the mapping relations；
The target pre-determined lower limit amount of money and the current preset lower limit amount of money are compared, to obtain comparison result.
Further, described to compare the target pre-determined lower limit amount of money and the current preset lower limit amount of money, knot is compared to obtain
Include: after fruit step
If the current preset lower limit amount of money is lower than the target pre-determined lower limit amount of money, early warning is generated.
Further, business record to be transacted in the parsing preset time period, with obtain flow value step to be made loans it
After include:
When described when flow value of making loans is greater than the current preset upper limit amount of money, point for supplementing excess reserve with money in batches is generated
Instruction is criticized, supplements excess reserve with money in batches to realize.
Further, it is described when described when flow value of making loans is greater than the current preset upper limit amount of money, generate in batches
The instruction in batches of excess reserve is supplemented with money, to realize that supplementing excess reserve step with money in batches includes:
When described when flow value of making loans is greater than the current preset upper limit amount of money, flow value to be made loans and current pre- is obtained
If the difference amount of money of the upper limit amount of money；
The instruction in batches for supplementing excess reserve with money in batches is generated, based on the difference amount of money and the current preset upper limit amount of money with reality
Now supplement excess reserve with money in batches.
Further, described that excess reserve is supplemented with money based on the difference amount of money and the generation of the current preset upper limit amount of money in batches
Include: after instruction in batches
The rate of making loans for obtaining the flow value to be made loans prestored obtains different batches provision based on the rate of making loans
Gold supplements the time with money；
It supplements the time with money based on described and supplements excess reserve with money in batches.
Further, described to be based on the comparison result, the pre-determined lower limit amount of money of excess reserve is adjusted, to be based on the adjustment
Pre-determined lower limit amount of money triggering afterwards carries out
When detecting excess reserve successful recharging, the accreditation processing of electronic certificate is carried out.
Excess reserve of the present invention supplements equipment specific embodiment with money and above-mentioned each embodiment of excess reserve recharge method is essentially identical,
Details are not described herein.
The present invention provides a kind of computer readable storage medium, the computer-readable recording medium storage have one or
More than one program of person, the one or more programs can also be executed by one or more than one processor with
In the step of realizing excess reserve recharge method described above.
Computer readable storage medium specific embodiment of the present invention and above-mentioned each embodiment of excess reserve recharge method are basic
Identical, details are not described herein.
The above is only a preferred embodiment of the present invention, is not intended to limit the scope of the invention, all to utilize this hair
Equivalent structure or equivalent flow shift made by bright specification and accompanying drawing content is applied directly or indirectly in other relevant skills
Art field similarly includes in patent process range of the invention.
Claims (10)
1. a kind of excess reserve recharge method, which is characterized in that the excess reserve recharge method includes:
Business record to be transacted in preset time period is parsed, to obtain flow value to be made loans；
It is described when flow value of making loans is lower than the current preset upper limit amount of money for corresponding to excess reserve when detecting, it compares described wait make loans
The pre-determined lower limit amount of money of flow value and current corresponding excess reserve, to obtain comparison result；
Based on the comparison result, the pre-determined lower limit amount of money of the excess reserve is adjusted, to be based on the pre-determined lower limit adjusted
Amount of money triggering carries out excess reserve and supplements with money.
2. excess reserve recharge method as described in claim 1, which is characterized in that flow value to be made loans described in the comparison with work as
The pre-determined lower limit amount of money of preceding corresponding excess reserve includes: to obtain comparison result step
Obtain the mapping relations of the flow value to be made loans and the pre-determined lower limit amount of money of corresponding excess reserve；
The target pre-determined lower limit amount of money of excess reserve is obtained based on the mapping relations；
The target pre-determined lower limit amount of money and the current preset lower limit amount of money are compared, to obtain comparison result.
3. excess reserve recharge method as claimed in claim 2, which is characterized in that described to compare the target pre-determined lower limit amount of money
With the current preset lower limit amount of money, include: to obtain comparison result step later
If the current preset lower limit amount of money is lower than the target pre-determined lower limit amount of money, early warning is generated.
4. excess reserve recharge method as described in claim 1, which is characterized in that industry to be transacted in the parsing preset time period
Business records, and includes: to obtain flow value step to be made loans later
When described when flow value of making loans is greater than the current preset upper limit amount of money, referring in batches for excess reserve is supplemented in generation with money in batches
It enables, supplements excess reserve with money in batches to realize.
5. excess reserve recharge method as claimed in claim 4, which is characterized in that described when the flow value to be made loans is greater than institute
When stating the current preset upper limit amount of money, the instruction in batches for supplementing excess reserve with money in batches is generated, supplements excess reserve step with money in batches to realize
Suddenly include:
When described when flow value of making loans is greater than the current preset upper limit amount of money, obtain in flow value to be made loans and current preset
Limit the difference amount of money of the amount of money；
The instruction in batches for supplementing excess reserve with money in batches is generated based on the difference amount of money and the current preset upper limit amount of money, is divided with realizing
Batch supplements excess reserve with money.
6. excess reserve recharge method as claimed in claim 5, which is characterized in that described based on the difference amount of money and current pre-
If the upper limit amount of money includes: after generating the instruction in batches for supplementing excess reserve with money in batches
The rate of making loans for obtaining the flow value to be made loans prestored obtains different batches excess reserve based on the rate of making loans
Supplement the time with money；
It supplements the time with money based on described and supplements excess reserve with money in batches.
7. excess reserve recharge method as claimed in any one of claims 1 to 6, which is characterized in that described to be tied based on the comparison
Fruit adjusts the pre-determined lower limit amount of money of excess reserve, is supplemented with money with carrying out excess reserve based on the pre-determined lower limit amount of money triggering adjusted
Include: after step
When detecting excess reserve successful recharging, the accreditation processing of electronic certificate is carried out.
8. a kind of excess reserve recharging device, which is characterized in that the excess reserve recharging device includes:
Parsing module, for parsing business record to be transacted in preset time period, to obtain flow value to be made loans；
Comparison module, for described when flow value of making loans is lower than the current preset upper limit amount of money for corresponding to excess reserve when detecting,
The pre-determined lower limit amount of money of the flow value to be made loans with current corresponding excess reserve is compared, to obtain comparison result；
Module is adjusted, for being based on the comparison result, the pre-determined lower limit amount of money of the excess reserve is adjusted, to be based on the adjustment
Pre-determined lower limit amount of money triggering afterwards carries out excess reserve and supplements with money.
9. a kind of excess reserve supplements equipment with money, which is characterized in that it includes: memory, processor, communication that the excess reserve, which supplements equipment with money,
Bus and the excess reserve being stored on the memory supplement program with money,
The communication bus is for realizing the communication connection between processor and memory；
The processor supplements program with money for executing the excess reserve, standby as described in any one of claims 1 to 7 to realize
The step of paying golden recharge method.
10. a kind of computer readable storage medium, which is characterized in that the computer class is read to be stored with excess reserve on storage medium
Supplement program with money, the excess reserve, which is supplemented with money, realizes such as provision of any of claims 1-7 when program is executed by processor
The step of golden recharge method.
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| CN201710915795.2A CN109583864B (en) | 2017-09-28 | 2017-09-28 | Method, device and equipment for charging reserve payment money and computer readable storage medium |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710915795.2A CN109583864B (en) | 2017-09-28 | 2017-09-28 | Method, device and equipment for charging reserve payment money and computer readable storage medium |
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| Publication Number | Publication Date |
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| CN109583864B CN109583864B (en) | 2022-04-15 |
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| US20160098770A1 (en) * | 2014-10-02 | 2016-04-07 | Doblet, Inc | Mobile power source and method of use |
| CN105741089A (en) * | 2016-02-25 | 2016-07-06 | 北京几币几网络科技有限公司 | Method for lowering risk of open account transaction |
| CN106203997A (en) * | 2016-06-21 | 2016-12-07 | 东信和平科技股份有限公司 | A kind of electronic purse recharging method and system |
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| CN109583864B (en) | 2022-04-15 |
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